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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Can I Remove My Spouse from My Insurance and Have Her Buy Individual Insurance on the "Exchange?"

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Question: My wife is a small business owner, and is covered under my policy. However, the cost of covering her is exorbitant. Can she opt out of my coverage and buy her own policy on the new exchanges?

Answer: Your wife can purchase individual health insurance on the state exchange, but she will not be eligible for a subsidy because she has access to employer-based health insurance through your employment. The exception to this rule is if your shared contribution to your own coverage (employee-only) exceeds 9.5% of your income. In that case you and your spouse may be eligible for an advance tax credit in the exchange.

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